Job Description

End Date Thursday 14 August 2025
Salary Range 0 - 0
Flexible Working Options Job Share
Summary .

JOB TITLE: Merchant Services Schemes Director
LOCATIONS: Flexible
HOURS: Full-Time
WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites
About This Opportunity
LBG Merchant Services offers a diverse range of payment solutions to merchants of all sizes - from micro businesses to large enterprises - across face-to-face, online, and telephone channels. As customer expectations grow, so does the need for sophisticated, scalable payment capabilities. Merchant Services has received significant investment under the Group Strategic Review demonstrating its strategic importance to the Group.
We're seeking a highly skilled and motivated Schemes Director to lead all scheme-related activity and relationships (Visa, Mastercard, Amex, etc.) across the business. Reporting to the Head of Commercial and Pricing, you'll use your deep expertise in Schemes, acquiring and the payments ecosystem to build a best-in-class schemes function that supports our growth strategy.
You'll collaborate closely with Scheme partners, internal Merchant Services, and other Lloyds Card teams to maximise the value of available resources and expertise. In collaboration with Product, Pricing, and our joint venture partner Fiserv, you'll help evolve our schemes strategy, manage commercial relationships & cost base, and drive the build of a fully automated scheme infrastructure.
Key Accountabilities include:
Develop schemes strategy and team: build a high-performing, cross-functional team working across Merchant Services product, sales, portfolio management, revenue operations and pricing and with other LBG areas (Issuing, Commercial Cards) to achieve our business growth ambitions
Lead all scheme relationships: evolve our strategic relationships with the schemes (Visa, Mastercard, Amex, Diners, JCB, UPI, etc) working to jointly agreed targeted initiatives to facilitate growth
Be responsible for and provide schemes advisory: you and your team will provide schemes specific expertise to colleagues, existing and prospective merchants across the full customer lifecycle unlocking resources and knowledge within the schemes and/or our partnerships where appropriate
Drive key scheme initiatives: work with our joint venture partner, Fiserv, product, platform and pricing team to prioritise proposed scheme changes and drive action and/or adoption, ensuring innovation, compliance and minimizing leakage
Promote key scheme information and developments: keep the business and our larger merchants 'in the know' on key changes and new and evolving initiatives and broader network landscape
Manage scheme related regulatory requirements and input: manage and respond to any regulatory changes and requests in a timely fashion coordinating across the Group
Maintain and optimise scheme commercials: own and work to actively manage the current and future costs that we and our merchants incur through our scheme memberships, working closely with Pricing and the rest of the team to improve our financial control
What You'll Need
We welcome applications from all who are excited about the prospect of joining us on our growth trajectory and who can demonstrate the following skills:
Commercial understanding of the acquiring business and broader card payments landscape plus scheme initiatives
Have strong Schemes experience, ideally in a similar role
Proven track record of developing and implementing strategies to grow scheme partnerships
Success in building and implementing new frameworks and processes to support operational excellence
Experience effectively leading and developing teams
Strong critical thinking and problem-solving skills
Excellent communication and interpersonal skills, with the ability to effectively collaborate across varied business areas with senior leadership
About Working For Us
Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.
We also offer a wide-ranging benefits package, which includes:
A generous pension contribution of up to 15%
An annual performance-related bonus
Share schemes including free shares
Benefits you can adapt to your lifestyle, such as discounted shopping
30 days' holiday, with bank holidays on top
A range of wellbeing initiatives and generous parental leave policies
Ready for a career where you can have a positive impact as you learn, grow and thrive? Apply today and find out more.
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.